Bilt (Column N.A.)
Bilt Blue Card
Annual Fee
$0
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Card data last reviewed 2026-10-27
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$360/yr
$360 rewards
#43 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$390/yr
$390 rewards
#47 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$420/yr
$420 rewards
#48 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1x
Grocery
1x
Gas
1x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.5 cents per point
The Fine Print That Changes the Math
Bilt Card 2.0. No annual fee. 1x Bilt Points on everyday purchases, 3x on hotels and 2x on flights booked through Bilt Travel, 3x on Lyft, up to 4x at Bilt Neighborhood Dining partner restaurants, and up to 1.25x on rent or mortgage payments. Separately earns 4% back in Bilt Cash, which is not modeled. No foreign transaction fees. Welcome offer: $100 Bilt Cash. Rideshare is 1x because the 3x applies to Lyft only.
Bilt Blue Card FAQ
What is the Bilt Blue Card annual fee?
The Bilt Blue Card has no annual fee.
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